Built on principles of social responsibility, Citizens Bank of Canada offers full financial services 24-by-7, 365-days-a-year through its call centre, web site and ATM network. As a branchless bank, Citizens can offer rates better than Canada's big five banks without line-ups or haggling. The Bank's Ethical Policy reflects its commitment to social change, and recipients of its charitable giving are decided by its members. How's that for cool?